Side-by-side · Q2 2026 data
Community Bank, National Association vs Massena Savings and Loan
Metric by metric
| Measure | Community Bank, National Association | Massena Savings and Loan |
|---|---|---|
| TellerScore | 62 | 73 (stronger) |
| Capital cushion | 29 | 100 (stronger) |
| Loan quality | 83 (stronger) | 57 |
| Earnings | 68 (stronger) | 63 |
| Funding & liquidity | 66 (stronger) | 50 |
| Problem-loan coverage | 93 (stronger) | 83 |
| Peer percentile | 35th | 53rd |
| Total assets | $17.4B | $199.9M |
| Deposits / shares | $14.9B | $148.2M |
| Capital ratio | 7.86% | 15.15% (stronger) |
| Problem loans | 0.50% (stronger) | 1.30% |
| Net charge-offs | 0.11% | 0.11% (stronger) |
| Return on assets | 1.19% (stronger) | 1.09% |
| Loans ÷ deposits | 75.3% (stronger) | 121.7% |
| Uninsured deposits | 31.5% | 12.8% (stronger) |
| Offices | 198 | 2 |
| CFPB complaints (3 yrs) | 106 | — |
| Complaints per $1B deposits | 7.1 | — |
| Mortgage denial rate (HMDA) | 18.9% | — |
Massena Savings and Loan has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Community Bank, National Association leads on 3 and Massena Savings and Loan on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Massena, NY